PowerPoint Presentation


Quarterly results presentation


3Q 2015


2 November 2015



Disclaimer

This document has been prepared by Bankia, S.A. ('Bankia') and is presented exclusively for information purposes. It is not a prospectus and does not constitute an offer or recommendation to invest.


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of Bankia, all of which are subject to internal approval by Bankia.


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Contents


1. 3Q 2015 Highlights


  1. 3Q 2015 results


  2. Asset quality and risk management


  3. Liquidity and solvency


  4. Conclusions


3Q 2015 Highlights


1


COMMERCIAL ACTIVITY

+€1.0 Bn Cust. Funds vs Dec14


ASSET QUALITY


€2.4 Bn reduction in NPLs vs Dec14

2

+ 5.1% Business and Consumer

loans SEP15 vs SEP14


3

EFFICIENCY AND PROFITABILITY


ROE 9.9%

9M2015

Coverage: 61.7% (vs 57.6% Dec14)


4


CAPITAL GENERATION



Efficiency ratio: 41.5% 9M15

+ 113 bps of capital generated in 9M 2015 (CET1 BIS III FL)

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